- 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval
- Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
- Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period
- Uncapped ANZ Reward Points
- Redeem points for flights, merchandise, gift cards, cash back and more
- Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
- Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
- Up to 9 additional card holders
- Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
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ANZ Credit Cards
ANZ Rewards Black Credit Card
Updated 14 November 2023
If you're looking for a higher-end rewards card, the ANZ Rewards Black credit card has many features that give you the opportunity to earn a huge variety of rewards. It currently offers 180,000 extra ANZ Reward Points and $150 back to your new card when you spend $3,000 on eligible purchases in the first 3 months from approval.
New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply. (including an annual fee, currently $375).
Points Earn Rate (per $1 spent)
2 points
per $1 up to $5000, 1 pt per $1 over $5,000
Rewards Program
ANZ Rewards
Bonus Points
180,000 pts
Spend $3,000 in first 3 months from approval
Pros and cons
- Each additional card holder costs $65 annually
- Standard $375 annual fee
Creditcard.com.au review
Editor Review
ANZ Rewards Black Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The ANZ Rewards Black Credit Card with 180,000 extra ANZ Reward Points and $150 back to your new card
Point calculations are accurate as of 13 November 2023 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official ANZ page for the updated calculations.
If you love being rewarded – and if you especially enjoy treating yourself to prestige perks – the ANZ Rewards Black card could well be worth a closer look. Designed to offer higher points earning power than standard rewards cards, this high-end option has plenty going for it.
From its awesome travel-related benefits to its excellent introductory extra ANZ Reward Points offer, this card can give you it all. But is it right for you? Let’s find out.
What we love...
When talking about the features we love on the ANZ Rewards Black card, it’s hard to go past the introductory extra ANZ Reward Points offer. How does it work exactly? After you spend $3,000 on eligible purchases on your new card within three months of card approval, you will be rewarded with 180,000 extra ANZ Reward Points and $150 back to your new card to spend as you like. The extra ANZ Reward Points will be credited to your ANZ Rewards account and the $150 credited to your credit card account within 3 months of the eligible spend criteria being met.
As part of the ANZ Rewards Program, these points can be redeemed on a huge range of items, on anything from travel and entertainment, to gift cards, cashback, and more. And if you don’t have enough points to cover the item you want, simply make up the difference in cash. With the current welcome offer of 180,000 ANZ Reward Points, you could redeem them for $720 ANZ Cashback which you can use to either lessen your ANZ Rewards credit card balance or be deposited to an eligible ANZ bank account.
Additionally, you could redeem the 180,000 extra ANZ Reward Points for a minimum $800 digital gift card which you can use at one of the 25 leading retailers, including JB Hi-Fi, Endota Spa, Myer and Bunnings.
Love travel? Choosing the ANZ Rewards Program can be a great choice for cardholders who want to earn points on travel, but who don’t want to be tied down to a particular airline. With ANZ Rewards, you can choose to fly with any airline to any destination, whenever you want to travel. Redeem your points as 90,000 Velocity Points, 60,000 Asia Miles or Singapore Airline KristFlyer Miles, or $900 Airpoint Dollars.
What’s not so great...
When it comes to cards packed with features and offers, there is always small print to pay attention to. With the ANZ Rewards Black card, it’s worth bearing in mind the ample annual fee, as well as the relatively high rates of interest on purchases and cash advances.
And while the card does allow for up to nine additional cardholders – which can provide a handy way to earn points faster – each additional cardholder will cost $65 per year.
Why should you choose this card?
While the introductory offers certainly provide lots to love, you may also quite enjoy the other features the ANZ Rewards Black card has to offer.
In terms of points earning potential, the card lets you earn ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period, and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
As a cardholder, you can also enjoy access to cashback plus ANZ Reward Points when you shop with your eligible ANZ card through Cashrewards at more than 2,000 popular brands. To join, simply sign up online for free and link your ANZ Rewards Black credit card. The cashback you earn will appear in your Cashrewards account and you can choose when you claim the cashback and how you use it.
The card also comes with a range of complimentary insurance covers - International Travel Insurance, Domestic Travel Insurance, Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance.
On top of that, it provides up to 55 days interest-free on purchases, and compatibility with Apple Pay®, Google Pay™ and Samsung Pay™.
Overall Rating
A high-end rewards card with a fantastic earn rate on the ANZ Rewards Program, excellent features and introductory offers that include 180,000 extra ANZ Reward Points and $150 back to your new card.
User reviews
Rates and fees
Interest rates
Purchase rate 20.49% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $15,000
Maximum credit limit N/A
Fees & repayments
Annual fee $375 p.a.
Additional cardholder fee Up to 9 at $65 p.a. each
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater
Late payment fee $20
Rewards and points
Rewards program
Rewards Program 
ANZ Rewards
Bonus points 180,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in first 3 months from approval
Earning points with this card
ANZ Rewards points 2 points per $1 spent
Points cap per month per $1 up to $5000, 1 pt per $1 over $5,000
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 consecutive months
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Domestic Travel Insurance
Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
Overview
ANZ Rewards Black Credit Card
This card offers a range of travel perks and more points earning power to help you reach the rewards you want quicker. Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period and 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
Points can be redeemed for hundreds of different rewards, including merchandise, travel, shopping vouchers, and gift cards. If you don’t have enough points for the reward you want, you can simply make up the difference with cash. This premium card will also give you access to complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply).
Key features
- 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval
- Earn 2 ANZ Reward Points per $1 spent on eligible purchases up to $5,000 per statement period
- Earn 1 ANZ Reward Point per $1 spent on eligible purchases above $5,000 per statement period.
- Uncapped ANZ Reward Points
- Redeem points for flights, merchandise, gift cards, cashback and more
- Complimentary International and Domestic Travel Insurance (including COVID-19 coverage, T&Cs apply)
- Rental Vehicle Excess in Australia Insurance, Extended Warranty Insurance, and Purchase Protection Insurance
- Up to 9 additional card holders
- Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question100 questions (showing the latest 10 Q&As)
what are eligible purchases?. Paying government bodies, car insurance, Tax office included?
Hi Joseph, eligible purchases are your day to day transactions like payments towards groceries, restaurants, petrol, etc. Purchases that are categorised as fees, cash equivalent transactions, government charges are not considered eligible. If you’re looking to earn credit card rewards at the ATO, you can compare a small range of cards that earn points. Hope that helps Joseph!
I am comparing the Amex express explorer and the ANZ rewards black credit cards, which would you recommend more and why? Cheers
Hi Glyn! I can’t recommend one over the other because I don’t know your circumstances, but I can give you some tips to help you decide. First, the biggest difference is the points. What do you plan to use the points for? Amex and ANZ Rewards will both get you gift cards and merchandise, but if you plan to use them for travel then you need to think about which airline you’d be flying with, since they’re both affiliated with different frequent flyer programs. Next you can think about insurance - they both have travel insurance but will you need ANZ’s rental excess cover in Australia? Or are you more likely to need phone screen cover? The annual fee is the same, so it really comes down to how you will use the points. I hope that gives you some ideas Glyn!
Hi If I already have a ANZ Rewards card, am I eligible to apply for this card. Thanks John
Hi John, according to the ANZ Rewards Black card’s terms, the current offer is only available to new and approved ANZ Rewards Black card applicants and that those who currently hold or have held any of the ANZ Rewards card products in the past 12 months are not eligible.
I currently have an ANZ Platinum Rewards card. Am I eligible for this deal if I swap cards?
Hi Georgina, that’s a good question! Unfortunately, the offer is available to new and approved ANZ applicants only. You can however check some of the other rewards credit cards with bonus points offered for options.
is there a list of "eligible" purchases?
Hi Scott, I often receive this question, and after researching it, I found that ANZ, like other card issuers, does not publish a list of eligible transactions. Eligible purchases mostly include your everyday expenses, such as groceries, meals at restaurants, vet bills, and petrol for your car. However, there are certain transactions and items that do not earn ANZ Rewards Points. These include interest charges, fees, cash advances, cash equivalent transactions, balance transfers, government charges, and the like.
What can you use ANZ Rewards points for?
Hey Scott, ANZ Rewards Points offer various redemption options. You have the flexibility to redeem them for gift cards, ANZ Cashback, or even convert them into points with a range of airline partners. You can see all the redemption options available in our guide to ANZ Rewards.
Hello, when will the points be added to your account?
Hi Ellie, the bonus points (and the $150 credit) usually is credited to your account within 3 months after meeting the spend criteria.
If I have previously had an ANZ rewards black card ( cancelled 2022), can I apply again and receive the bonus rewards points? It was cancelled due to a home purchase and needed the card gone for lending reasons.
Hi Troy, I checked and see that the current offer is only available to new and approved ANZ Rewards Black credit card applicants.
What is the minimum spend on this card, and over what period of time? Thanks.
Hi Berry! You only need to hit a minimum spend to get the 180,000 bonus ANZ points and $150 cashback. For that, you'll need to spend $3000 in the first 3 months on your card. But there are no minimums on your regular spending each month. You can spend as much or as little as you like up to your credit limit, as long as you're paying it off responsibly :wink:. Thanks Berry!
what is the minimum income requirement for this card?
Hi Ash, I looked into this for you but unfortunately, the income requirement for the ANZ Rewards Black card is not publicly disclosed. Being a “black” card with a minimum credit limit of $15,000 the income requirement could be higher than other cards. In addition to the standard eligibility criteria such as being at least 18 years old, an Australian citizen, and having a good credit rating, ANZ’s application process asks for information about your income, expenses, assets, and liabilities. You’ll also need to provide 2 recent payslips and details of your living expenses when applying for the card.
Is paying Land Tax Bill an eligible transaction ?
Hi Vas, I’ve combined both your answers into this comment. Unfortunately, ANZ's terms that charges related to government fees are not eligible. The cards listed here will earn points on government and ATO charges. Eligible purchases to earn 2 Reward Points per dollar include things like your daily coffee, a restaurant bill or your groceries. It’s basically anything that is processed as a “retail transaction”
what EXACTLY are ELIGIBLE PURCHASES That earn points and what purchases don't qualify. Please do not refer me to terms and conditions , it does not explain.
Hi Marcel, unfortunately card issuers do not explicitly tell us which transactions are considered eligible. But these can include your day-to-day transactions like paying for your car’s petrol, friend’s birthday cake at a bakery, your groceries, or even your pet’s vet checkup. Generally it’s anything that’s processed at a point-of-sale transaction. The good news is that ANZ do indicate that transactions like cash advances, government charges, balance transfers, or cash equivalent transactions do not qualify as eligible. Hope that has helped!
Can i get vip lounge access on international airports with ANZ RewardsBlack credit card.
Hi Navpreet, unfortunately the ANZ Rewards Black doesn't include complimentary lounge access. A range of frequent flyer credit cards do, along with Priority Pass and LoungeKey credit cards. Happy travels!
Hi Pauline I already have the ANZ Qantas Frequent Flyer Visa card, am I eligible for the card and points?
Hi Nick, I checked ANZ Rewards Black card’s terms and looks like you may be eligible. Tt states that those who currently hold or have held any of the “ANZ Rewards” card products in the past 12 months are not eligible. If you’re confident you’ve met all the eligibility criteria, you can click the green Go To Offer button at the top of this page to proceed with your application.
Can this credit card be used to pay rent, childcare fees, gym memberships etc?
Hi Katie, this will depend on how each business processes your payment. If the gym and the childcare process it as a standard credit card transaction, you won't incur the cash advance rate of interest. If you’re interested in paying rent with your credit card, we dove into the nitty gritty of it and how you could even earn points.
Hi Just wanted to check my eligibility for this card.
Hi Denny, upon checking ANZ Rewards Black card’s eligibility criteria, it states that you should be at least 18 years old, a permanent resident and citizen of Australia or have more than 9 months left on your visa, have a good credit file, and don’t hold or have not held any ANZ Rewards cards products in the past 12 months. On top of this there are also the other internal checks and processes that ANZ run behind the scenes.
What are eligible purchases
Hi Sam, ANZ does not list what transactions are considered eligible however, these are your day-to-day transactions like paying for your favourite coffee at Starbucks, groceries, vet’s fee, car’s petrol, etc. Basically, it’s anything that isn’t processed as a cash advance. More specifically transactions like interests, fees, cash equivalent transactions, government charges, and reversed/refunded transactions are not considered eligible.
Hi, does ANZ rewards black credit card charge annual fee on first credit card statement or after 12 months? Thanks.
Hi Anna, you will see the first year annual fee of your ANZ Rewards Black card on your first month’s bill, then every 12 months after.
Does your credit card travel insurance cover Covid 19 and cruise ship travel in both international and domestic waters
Hi there Alan, The ANZ Rewards Black may have some form of Covid-19 travel insurance cover. I trawled through their PDS but it'd be best to contact their team on 1300 135 271 to check in around cruises. Have a great trip!
Where can I find the list of eligible purchases to be rewarded with 80k extra reward points?
Hi Irene, I checked ANZ Rewards Black’s terms and there’s no real definitive list. Eligible purchases are actually your daily transactions like shopping at Coles, buy Macca’s or a coffee, etc. The T&Cs do state that interest accrued, premiums paid for ANZ insurance, fees, government transactions and more won’t earn any Rewards points.
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